Re: Manage on Time Payment on Credit Cards

I have a dry erase board in my office and in the bottom right corner I list all my bills and obligations with due date and amount owed, starting with earliest due. Then I erase each one as it gets paid. Serves 2 purposes, I can keep track of everything I have to pay + sense of accomplishment as I erase them. I learned this from my DW that makes lists for all of her tasks.

Re: Manage on Time Payment on Credit Cards

I have 21 CC accounts. I have preprinted speadsheets that have user id and passwords plus a line for balance and payments. I spend an hour or so every weekend, while in front of the tv, logging in to each account checking balances and making payments as needed. It's a hobby, LOL!

Re: Manage on Time Payment on Credit Cards

Credit Karma also will link your accounts and send you emails when they're due. The credit companies themselves will also be able to do the same (the ones I have do) if you sign up for it. I think you can sign up for all kinds of alerts that way. My bank will also notify me as well through Bill Pay. I have lots of back up systems just to make sure I don't miss any thing. A nice desk calendar helps as well.

Re: Manage on Time Payment on Credit Cards

1. I have a sticker that says "Statement Cut: DAY OF MONTH" on the back of all of my cards to help me remember when the statement closes.

2. I use Manilla. It's an app that lets you manage all of your bills and see statements from their app/website.

3. I also use CK to help remind me when to pay.

4. I set up auto pay for the minimum payment in case I forget to pay a CC for whatever reason (This is my backup: I PIF all of my cards except for the Ring, and that I pay significantly more than the minimum.)

This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:

Amazing! Very much or similar to some of the info as on my DB including the rewards section. I thought I was the only nerd with something like this. Nice!

There are a few users on here who have this sort of thing, just maybe not quite as intricate. We (myFICO forum members) are all a bit more carried-away than most people with credit cards and FICO scores! I am a computer science major. I know mySQL and PHP also, so could have done it that way, especially if I wanted to generate reports or triggered email alerts, but in this case a spreadsheet is most appropriate for me, considering how I use it.

Re: Manage on Time Payment on Credit Cards

This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:

Amazing! Very much or similar to some of the info as on my DB including the rewards section. I thought I was the only nerd with something like this. Nice!

There are a few users on here who have this sort of thing, just maybe not quite as intricate. We (myFICO forum members) are all a bit more carried-away than most people with credit cards and FICO scores! I am a computer science major. I know mySQL and PHP also, so could have done it that way, especially if I wanted to generate reports or triggered email alerts, but in this case a spreadsheet is most appropriate for me, considering how I use it.

+1

You think!? LOL.

Very commendable indeed. I always like to see whether other members have something similar (or as intricate/detailed) that provides measurable metrics and tracks overall performance (scores, balances/utilization, rewards, AAoA/history, etc.).

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